Search found 88 matches

by HRPennypacker
Tue Feb 23, 2021 8:50 pm
Forum: Investing - Theory, News & General
Topic: Series I bonds, buy now or wait until May for new rate?
Replies: 12
Views: 1672

Re: Series I bonds, buy now or wait until May for new rate?

This is a perennial question. In my view, it's important to remember that any potential increase will probably be very small, and not a consequential amount of money. Having said that, I'm waiting before I pull the trigger! :)
by HRPennypacker
Sat Dec 26, 2020 10:51 am
Forum: Personal Consumer Issues
Topic: What kind of car do Bogleheads like to drive?
Replies: 470
Views: 39232

Re: What kind of car do Bogleheads like to drive?

OldBallCoach wrote: Sat Dec 26, 2020 8:22 am 2020 Toyota Land Cruiser, 2019 4 Runner and a 4% Rebate Costco card for gas, also have a 2005 Jeep Wrangler for the lake house and a Nissan GTR for therapy. Shell just sent us another nice Christmas card.
Just curious: Why both the LC and 4Runner? I love both (I own neither), particularly the LC.
by HRPennypacker
Tue Dec 15, 2020 10:15 am
Forum: Personal Investments
Topic: I-Bonds a good idea?
Replies: 48
Views: 5759

Re: I-Bonds a good idea?

I'm a "paper only" bond holder. I do overpay federal taxes to get $5k in paper bonds a year. I'm coming up on $400k in bonds. It's great as an emergency fund that I can cash any time at my DCU credit union. I'd like to see you film a rap video where you "make it rain" with your ...
by HRPennypacker
Fri Sep 25, 2020 11:09 am
Forum: Personal Consumer Issues
Topic: What is the single best piece of exercise equipment you bought for your home?
Replies: 259
Views: 17571

Re: What is the single best piece of exercise equipment you bought for your home?

Another vote for power rack with barbell and bumper plates. (Technically, this makes the single best piece of equipment a barbell.)
by HRPennypacker
Sat Sep 05, 2020 12:14 pm
Forum: Personal Consumer Issues
Topic: San Jose, CA: Need high school chamber musicians
Replies: 8
Views: 496

Re: San Jose, CA: Need high school chamber musicians

Afty wrote: Sat Sep 05, 2020 12:08 pm Have you heard of Nextdoor? This seems like the kind of thing it was made for.
I use NextDoor. My understanding was that the purpose of that site is to discuss the burning question on everyone's minds: "What's HAPPENED to this neighborhood?!"
by HRPennypacker
Sat Sep 05, 2020 12:05 pm
Forum: Personal Consumer Issues
Topic: San Jose, CA: Need high school chamber musicians
Replies: 8
Views: 496

Re: San Jose, CA: Need high school chamber musicians

Contacting local schools has yielded surprisingly little. I have left VMs for the local youth symphonies around here to see if I'll get any bites. I am a classically trained violinist myself, and I remember playing weddings for extra cash as a kid. Of course, there was no pandemic back then!
by HRPennypacker
Sat Sep 05, 2020 9:27 am
Forum: Personal Consumer Issues
Topic: San Jose, CA: Need high school chamber musicians
Replies: 8
Views: 496

San Jose, CA: Need high school chamber musicians

Hello, Not sure where to put this. Given the pandemic DW and I have decided to break up the monotony by paying high schoolers to come perform on our lawn for our toddler. (We watch from 20 feet away.) If you have a teenager(s) who is looking to make a little extra cash without risking infection, ple...
by HRPennypacker
Thu Apr 16, 2020 1:32 pm
Forum: Investing - Theory, News & General
Topic: Cons of i bonds?
Replies: 70
Views: 7039

Re: Cons of i bonds?

jajlrajrf wrote: Thu Apr 16, 2020 12:28 pm I'm sort of surprised by the love for paper bonds here. Years of experience have told me that I'm approximately 135979825798275% more likely to lose track of a piece of paper than of my electronic assets.
My God. If that's the approximate probability, what's the exact number?
by HRPennypacker
Thu Apr 16, 2020 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area Estate/Trust Attorneys: Seeking referrals
Replies: 18
Views: 1050

Re: Bay Area Estate/Trust Attorneys: Seeking referrals

...for your son? If you need a special needs trust, that is a specialty within the legal community. If you need this, re-phrase your question, please, or hint at what kind of trust you are looking for. Thanks, all, for your responses. Re the question about special needs trust: I have no idea. I don...
by HRPennypacker
Thu Apr 16, 2020 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Bay Area Estate/Trust Attorneys: Seeking referrals
Replies: 18
Views: 1050

Re: Bay Area Estate/Trust Attorneys: Seeking referrals

...for your son? If you need a special needs trust, that is a specialty within the legal community. If you need this, re-phrase your question, please, or hint at what kind of trust you are looking for. Thanks, all, for your responses. Re the question about special trust: I have no idea. I don't eve...
by HRPennypacker
Wed Apr 15, 2020 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area Estate/Trust Attorneys: Seeking referrals
Replies: 18
Views: 1050

Bay Area Estate/Trust Attorneys: Seeking referrals

Couldn't find a thread in the last few years about this so I thought I'd start my own. I need to create a trust for my son--I've been putting it off for a while. Can anyone recommend anyone they've worked with in the Bay Area, preferably in the South Bay?
by HRPennypacker
Wed Apr 15, 2020 12:02 pm
Forum: Personal Consumer Issues
Topic: There seems to be a big market for home fitness equipment
Replies: 24
Views: 1465

Re: There seems to be a big market for home fitness equipment

The way I see it is that I will have very good deal buying used squat rack and olympic 300 lbs weight set when things are back to normal. People are rushing to buy it now and creating a huge demand. Once gyms open up and people want to have space in the house, they gonna get rid of those equipment....
by HRPennypacker
Thu Sep 05, 2019 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: BofA ShopSafe going away
Replies: 111
Views: 9533

Re: BofA ShopSafe going away

I figured only the Bogleheads would share my disappointment at hearing that ShopSafe is going away...

Anyone have direct experience with Privacy?
by HRPennypacker
Sat Jun 29, 2019 12:52 pm
Forum: Personal Consumer Issues
Topic: Have nice car but too OCD to enjoy it.
Replies: 45
Views: 3438

Re: Have nice car but too OCD to enjoy it.

I don't drive a nice car for very similar reasons, OP--if I were to get one, I'd just worry about it. So I lease a Chevy Bolt. No worries; life is good.
by HRPennypacker
Tue Jan 15, 2019 10:02 pm
Forum: Personal Consumer Issues
Topic: Funniest movies of all time? Name five of your favorites...
Replies: 220
Views: 32914

Re: Funniest movies of all time? Name five of your favorites...

Airplane
Life of Brian
Spinal Tap
The Big Lebowski
Tropic Thunder
by HRPennypacker
Wed Jan 02, 2019 4:40 pm
Forum: Personal Consumer Issues
Topic: Black licorice fans - suggestions?
Replies: 29
Views: 2429

Re: Black licorice fans - suggestions?

Nummerkins wrote: Wed Jan 02, 2019 4:10 pm Some of my favorites are farm, coins and double zout (mm, salty!) It's sold in many different brands like Venco or Hafco. I live in a very dutch area of the US so this stuff is sold everywhere local to me.
Venco Dubbelzout is incredible. +1.
by HRPennypacker
Thu Sep 20, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: TIAA financial advisor?
Replies: 65
Views: 18862

Re: TIAA financial advisor?

Not sure if this was already posted, but I didn't see it:

https://www.nytimes.com/2017/10/21/busi ... -tiaa.html
by HRPennypacker
Thu Sep 13, 2018 9:31 am
Forum: Personal Consumer Issues
Topic: WSJ print edition renewal time - any discounts?
Replies: 87
Views: 11702

Re: WSJ print edition renwal time - any discounts?

You can always try switching to the FT...:)
by HRPennypacker
Wed Aug 29, 2018 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 24789

Re: Decent compensation to move to Bay Area CA?

Folks, Bay Area Working Culture -> Lack of work-life balance. A) Do you travel for business during the non-working day? B) Are you expected to work more than 40 hours per week? C) Are you expected to respond to business email, phone, text after office hour? D) Do you carry a pager? Aka, on-call? Kl...
by HRPennypacker
Thu Aug 23, 2018 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: To buy or hold for housing crash in Bay Area CA
Replies: 27
Views: 4103

Re: To buy or hold for housing crash in Bay Area CA

I guess I'll stop holding my breath for the big real estate crash that gets me into Atherton...:)
by HRPennypacker
Sun Aug 19, 2018 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Unpermitted structure - options?
Replies: 27
Views: 2952

Re: Unpermitted structure - options?

To add color: I'm in a similar situation as OP, except that in my case it's an unfinished basement that's fully finished. This is unincorporated San Jose, so it's a matter for Santa Clara County. I've been trying to find a good lawyer, but all the usual methods are yielding lawyers that seem less kn...
by HRPennypacker
Sun Aug 19, 2018 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Unpermitted structure - options?
Replies: 27
Views: 2952

Re: Unpermitted structure - options?

In a similar situation, except with an 'unfinished' basement that's actually totally finished. Can anyone recommend a good lawyer in Santa Clara County?
by HRPennypacker
Tue Jul 10, 2018 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: What’s the median income of Bogleheads?
Replies: 29
Views: 4128

Re: What’s the median income of Bogleheads?

The more appropriate question may be, "What do you guys think the median BH income is?"

Hard to adjust for COL, etc. Assuming Topeka, KS 2018 dollars: I'd say between 95-110K purchasing power parity.
by HRPennypacker
Fri Jul 06, 2018 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: How do normal people afford the Bay Area?
Replies: 48
Views: 6957

Re: How do normal people afford the Bay Area?

Also, while CA and the Bay Area in particular are no doubt unique and amazing places to live, the current property values seem inflated vs. historical norms. Even if I were able to afford the exhorbitant prices, I would be reluctant to buy in at current prices. This is a whole 'nother debate. I cre...
by HRPennypacker
Tue Jul 03, 2018 11:14 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 115
Views: 9986

Re: Any Boglehead powerlifters?

CFM300 wrote: Tue Jul 03, 2018 10:08 pm In all seriousness, I can't stand Rippetoe's low-bar squat mechanics.
Really? Switching to low-bar improved things considerably for me. I can do more weight, it feels better, etc.
by HRPennypacker
Mon Jul 02, 2018 11:50 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 115
Views: 9986

Re: Any Boglehead powerlifters?

Not a powerlifter, just someone who likes lifting. Recent 5-rep maxes, all raw/beltless at a height of 5'10" and a bodyweight of under 175 lbs: Squat: 310x5 DL: 380x5 OHP: 130x5 I'm 37. Madcow 5x5 Intermediate is probably my favorite program, and the one that I got the most progress on. I frequ...
by HRPennypacker
Sun Jul 01, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult? ...Four Years Later
Replies: 255
Views: 43112

Re: Learning an instrument as an adult? Six Months Progress

JupiterJones wrote: Tue Jul 25, 2017 3:54 pm Listen to great violin playing

Or heck, why not throw some...violists into the mix?
Easy, easy. Let's not get carried away.
by HRPennypacker
Sun Jul 01, 2018 1:00 am
Forum: Personal Consumer Issues
Topic: Can I buy a Tesla?
Replies: 140
Views: 12442

Re: Can I buy a Tesla?

Don't do it, Dr. OP. Tesla is a dumpster fire, the Model 3 is an overhyped embarrassment--I have multiple remorseful colleagues who can attest--and for half the price you can get a slightly-used something-else. Gosh, that’s surprising. I talk to many Tesla owners, and I have yet to meet ONE remorse...
by HRPennypacker
Sat Jun 30, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: Can I buy a Tesla?
Replies: 140
Views: 12442

Re: Can I buy a Tesla?

Don't do it, Dr. OP. Tesla is a dumpster fire, the Model 3 is an overhyped embarrassment--I have multiple remorseful colleagues who can attest--and for half the price you can get a slightly-used something-else.
by HRPennypacker
Sun Jun 24, 2018 11:57 am
Forum: Personal Consumer Issues
Topic: When did you start flying business class?
Replies: 155
Views: 15281

Re: When did you start flying business class?

I fly J (company paying) for long overseas work trips. I fly J (out of pocket) for any personal travel over ~12 hours where the destination is a developing country that's hard on the body. (e.g.: India, China, etc.) I say go for it, OP. You don't have flexibility and you do have the money--this is w...
by HRPennypacker
Mon May 14, 2018 5:32 pm
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 226
Views: 27290

Re: The front page is ugly

One of the best front pages on the Internet. I love it.
by HRPennypacker
Sun May 06, 2018 8:26 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 29442

Re: most compelling TV character ever

In no particular order: Al Swearengen, Tony Soprano, Omar, Picard.
by HRPennypacker
Tue Apr 24, 2018 1:20 am
Forum: Personal Finance (Not Investing)
Topic: Cashing out of the Bay Area
Replies: 84
Views: 15315

Re: Cashing out of the Bay Area

I'm on the market, looking to buy--made a thread about it and everything--and I can't tell whether this is the peak.

If you want to leave and think you can, I say go for it. Sounds like you're close enough that you don't have to get it perfectly to come out on top...
by HRPennypacker
Mon Apr 09, 2018 5:19 pm
Forum: Personal Consumer Issues
Topic: Regrets of the frugal and dying?
Replies: 62
Views: 11304

Re: Regrets of the frugal and dying?

Usually dying people talk more about relationships than financial matters as far as regrets. I was a hospice volunteer for years. It was almost always about relationships. Of course, you could tell who was frugal and who wasn't. The frugal people had money saved up, and that made things a lot easie...
by HRPennypacker
Sun Apr 08, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: VHCOL Home Buying Advice (Bay Area, where else?)
Replies: 65
Views: 7327

Re: VHCOL Home Buying Advice (Bay Area, where else?)

I moved to SV from Seattle, kicking and screaming, and still travel back for work every other week. I can't handle the weather up there anymore.
by HRPennypacker
Sun Apr 08, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: VHCOL Home Buying Advice (Bay Area, where else?)
Replies: 65
Views: 7327

Re: VHCOL Home Buying Advice (Bay Area, where else?)

One more question I forgot to ask, if anyone has an opinion: If you were me, how quickly would you be looking to get into a SFR? Should I be driving hard to get a place, or should I take my sweet time and let this process drag out for months as I get a sense of what's out there? Assume I already kno...
by HRPennypacker
Fri Apr 06, 2018 10:30 pm
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult? ...Four Years Later
Replies: 255
Views: 43112

Re: Learning Violin as an adult...now with progress Audio

Hey, nice work! I finished the Suzuki and studied violin in college. Hearing your recordings has made me all nostalgic...
by HRPennypacker
Fri Apr 06, 2018 11:07 am
Forum: Personal Consumer Issues
Topic: VHCOL Home Buying Advice (Bay Area, where else?)
Replies: 65
Views: 7327

Re: VHCOL Home Buying Advice (Bay Area, where else?)

Ah, OK. Sorry for misinterpreting. Admittedly I also just wanted to get a dig in at SF. Not sure why, as the City does such a good job of insulting itself. A big part of my reluctance to leave the vicinity is my belief that the only thing scarier than a tech job in the Valley is a tech job outside t...
by HRPennypacker
Thu Apr 05, 2018 10:57 pm
Forum: Personal Consumer Issues
Topic: VHCOL Home Buying Advice (Bay Area, where else?)
Replies: 65
Views: 7327

Re: VHCOL Home Buying Advice (Bay Area, where else?)

The price-to-rent ratio is definitely nuts, but I intend to stay at least ten years, if not 15 or more. The motivation for the home purchase is twofold: a) to fix the cost of housing over the long term (ie, 15+ years) with a 30-year FRM; and b) to have more control of if/when we move. I'd hate to ha...
by HRPennypacker
Thu Apr 05, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: VHCOL Home Buying Advice (Bay Area, where else?)
Replies: 65
Views: 7327

Re: VHCOL Home Buying Advice (Bay Area, where else?)

Thanks all for the continued replies. Some additional info: a) Move to SF: Can't move to SF, because the office is in San Jose, near Santa Clara. Also, excrement on sidewalks. b) Keep renting: This is the fallback plan, but my fear here is that home price appreciation will continue unabated, faster ...
by HRPennypacker
Wed Apr 04, 2018 8:17 pm
Forum: Personal Consumer Issues
Topic: VHCOL Home Buying Advice (Bay Area, where else?)
Replies: 65
Views: 7327

Re: VHCOL Home Buying Advice (Bay Area, where else?)

Thanks for the responses, all. $330K includes cash bonus and RSU ($225K base + $40K cash bonus + $65K RSU, per annum). I expect those to rise steadily in the coming years, and possibly sharply if I leave for another employer. I don't really want to leave. I have criminally good work-life balance tha...
by HRPennypacker
Wed Apr 04, 2018 4:10 pm
Forum: Personal Consumer Issues
Topic: VHCOL Home Buying Advice (Bay Area, where else?)
Replies: 65
Views: 7327

Re: VHCOL Home Buying Advice (Bay Area, where else?)

Yeah, the big theme from everyone I've spoken to/heard from on BH has been that it's a gamble, and you just have to dive in. Nobody ever says, for example, "I'd not spend above $1.5M." It's just binary: IN or OUT.
by HRPennypacker
Wed Apr 04, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: VHCOL Home Buying Advice (Bay Area, where else?)
Replies: 65
Views: 7327

Re: VHCOL Home Buying Advice (Bay Area, where else?)

II'm afraid that $1M right now will barely get a condo apartment or smaller, older, in bad location townhouse in Sunnyvale or Santa Clara. For a house you are going to have to move much farther out. 1M will just barely get a condo in rougher parts of Santa Clara; Sunnyvale is out. Recent closures s...
by HRPennypacker
Wed Apr 04, 2018 1:31 pm
Forum: Personal Consumer Issues
Topic: VHCOL Home Buying Advice (Bay Area, where else?)
Replies: 65
Views: 7327

Re: VHCOL Home Buying Advice (Bay Area, where else?)

My reasoning is similar to yours and I value commute time and proximity to potential employers. I already have preapproval for 2.2M, but I should think going that high, even with my income, is out of the question for Bay Area BHers. Right? (And if not: Presuming you were, what'd your ceiling be, Hyp...
by HRPennypacker
Wed Apr 04, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: VHCOL Home Buying Advice (Bay Area, where else?)
Replies: 65
Views: 7327

Re: VHCOL Home Buying Advice (Bay Area, where else?)

Thanks, Watty. I wrestle with this decision, but it comes down (for me) to the following: a) Silicon Valley is still largely where it's at, especially for my field. ATL is up and coming, but I'm not sure there are enough employers there to make me feel comfortable. As crazy as it sounds, in my mind ...